Health Insurance in Indore
Indore is a populous city in the state of Madhya Pradesh that is making its mark in the field of healthcare. The city houses some leading private hospitals with advanced facilities. Thus, people can avail of medical care without having to go to other metro cities. The city sees new migrants from neighbouring locations, and therefore there is a greater need for proper health care. There are many public health institutions in Indore, including primary health centres and government hospitals.
Known as the mini Mumbai, the city is one of the tier-2 cities in India where the healthcare system is developing steadily with the presence of speciality hospitals that provide the best treatment for specific ailments.
However, there is a concern about the rising medical costs in India. Even a simple medical procedure can lead to enormous expenditures for a family. This scenario hints at the need for health insurance in Indore that will protect the people living in the city from the burden of hefty medical expenses. Furthermore, cashless health insurance is beneficial as there are no hassles of direct payment from one’s pocket.
Religare Health Insurance has several hospitals in its network in the city. You can avail of medical treatment at any of the cashless network hospitals in Indore and be relaxed about the payment of medical bills.
The Need for Health Insurance in Indore
Indore is a busy city with a population of over 19 lakh. The city faces road traffic problems causing high pollution levels, thus giving rise to respiratory illnesses. Also, for people living in urban areas, there is a higher risk of non-communicable diseases (NCDs) owing to poor lifestyle habits. Some of the major ailments that are affecting lakhs of people include diabetes, hypertension, asthma, cardiovascular diseases, etc.
Owing to medical advancements, access to quality healthcare is now possible. However, there is a growing concern over the rising costs. With cashless health insurance Indore residents can lower the burden of paying for medical expenses from their pocket. Moreover, a health policy provides financial protection for a family’s income in times of medical emergencies.
Nowadays, leading health insurers in India like Religare Health Insurance offer the facility of cashless treatment. Under this facility, a policyholder is no longer required to pay the medical bills directly from the pocket. The insurer directly pays to the hospital, subject to policy terms and conditions, thus ensuring convenience for the insured. However, to avail of this benefit, the policyholder must get medical treatment at a network hospital, listed by the insurer. In case the medical treatment is undertaken in a non-network hospital, the policyholder can file a claim for reimbursement of medical expenses.
When a hospital ties up with an insurer to offer cashless treatment for the insured persons, it becomes a part of the insurer’s network hospitals. Using a health card, the policyholder can easily avail cashless treatment without having to go through any paperwork. With Cashless Health Insurance Indore, the insured can focus on getting proper medical treatment without worrying about the finances.
Tips to Consider Before Buying Health Insurance in Indore
To make the process of buying medical insurance in Indore less complicated, here are some factors to consider before choosing a policy:
- Consider factors like your age and medical conditions to assess your needs rightly
- Choose a high sum insured, given the fact that medical costs are rising steadily
- Check the network hospitals of the insurer which are nearest to your location
- Make sure the policy includes features like lifetime renewability and no claim bonus
- Know the claim settlement ratio of the insurer and the procedure to file claims
How to Avail Cashless Treatment in Indore?
Cashless treatment under medical insurance in Indore can be availed by following the steps mentioned below:
- Select any network hospital for medical treatment
- Contact your insurer on time and inform about hospitalisation
- Submit the duly signed pre-authorisation form at the hospital insurance desk
- Provide all the supporting documents and health card
- After document verification, the claim management team will send an approval
- In case of any information deficiency, the team might raise a query
- After approval, the insurer settles the medical bills, as per policy terms and conditions
Based on the policy terms, the insurance company will process the claim. It is essential to adhere to the specified timeline for informing the insurer – which is 24 hours in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.